dev.aetnamedicaresolution.com
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Submission: On May 08 via api from US — Scanned from DE
Submission: On May 08 via api from US — Scanned from DE
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<h1>Aetna Medicare <span>Advantage Plans</span></h1>
<p>Premiums starting at $0/mo<sup>1</sup></p>
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<p class="ensuremDisclaimer"><sup>1</sup> Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.</p>
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<img src="img/logos/trust-seals/badge5-orig.svg" alt="HIPAA" style="border: 0;" width="94" height="28">
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<section class="py-5 text-center">
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<h3>Over 3 million people choose Aetna for health care coverage.<sup>2</sup></h3>
</div>
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<h2>Get more with Aetna <span>Medicare Advantage insurance</span></h2>
<p class="lead">Take a total approach to your health insurance with one simple plan that offers additional benefits:</p>
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<p>Plans include prescription drug coverage.<sup>1</sup></p>
</div>
</div>
<div class="col-sm-4 text-center">
<div class="card">
<img src="img/glasses.svg" alt="glasses icon">
<p>Plans include dental, vision and fitness coverage.<sup>1</sup></p>
</div>
</div>
<div class="col-sm-4 text-center">
<div class="card">
<img src="img/save.svg" alt="piggy bank icon">
<p>$0 premium plans available in your area.<sup>1</sup></p>
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<h3>Ready to Find Your Plan?</h3>
<p>Give us a call or fill out the form below, and we’ll help you find out if an Aetna Medicare insurance plan is right for you.</p>
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<h2>Why choose Ensurem?</h2>
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<h4>A wide selection</h4>
<p> You may save time and shop a wide variety of Medicare solutions from the nation's top-rated<sup>2</sup> insurance companies in one place. </p>
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<p> Our licensed insurance agents do the hard work for you. Not ready to talk? Find products, compare rates, and in some cases, even enroll online. </p>
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</form>Text Content
This website is owned and operated by Ensurem I, LLC. This is not the official
Aetna® website. Already have Aetna insurance?
Speak with a licensed insurance agent 1-877-792-0459 | TTY 711 Mon-Fri 8am-10pm
| Sat 9am-6pm EST
AETNA MEDICARE ADVANTAGE PLANS
Premiums starting at $0/mo1
Compare Plans
1 Not all plans offer all of these benefits. Benefits may vary by carrier and
location. Limitations and exclusions may apply.
OVER 3 MILLION PEOPLE CHOOSE AETNA FOR HEALTH CARE COVERAGE.2
GET MORE WITH AETNA MEDICARE ADVANTAGE INSURANCE
Take a total approach to your health insurance with one simple plan that offers
additional benefits:
Plans include prescription drug coverage.1
Plans include dental, vision and fitness coverage.1
$0 premium plans available in your area.1
READY TO FIND YOUR PLAN?
Give us a call or fill out the form below, and we’ll help you find out if an
Aetna Medicare insurance plan is right for you.
Compare Plans
WHY CHOOSE ENSUREM?
A WIDE SELECTION
You may save time and shop a wide variety of Medicare solutions from the
nation's top-rated2 insurance companies in one place.
SHOPPING MADE EASY
Our licensed insurance agents do the hard work for you. Not ready to talk? Find
products, compare rates, and in some cases, even enroll online.
FAST, RELIABLE SUPPORT
Have questions about your new coverage? We're here to help at every step –
including before, during and after your enrollment.
1-877-792-0459 | TTY 711 Mon-Fri 8am-10pm | Sat 9am-6pm EST
--------------------------------------------------------------------------------
© 2024 Ensurem I, LLC, All Rights Reserved.
* Privacy Policy
* Licensing Legal
* Terms of Service
* Do Not Call Policy
* Use of My Personal Information
2 2018 Kaiser Family Foundation analysis of CMS Medicare Advantage enrollment
files, “A Dozen Facts About Medicare Advantage” published November 13, 2018.
3 Ensurem only offers products from insurance carriers with an A.M. Best Rating
of B++ or higher and/or, where applicable, a CMS Star Rating of 4/5 or higher.
Every year, Medicare evaluates plans based on a 5-star rating system.
This website is operated by Ensurem I, LLC.
The purpose of this communication is the solicitation of insurance. Contact will
be made by an insurance agent/producer or insurance company.
Medicare supplement plans are not connected with or endorsed by the U.S.
Government or the federal Medicare program.
Ensurem I, LLC is a licensed and certified representative of Medicare Advantage
HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a
Medicare contract. Enrollment in any plan depends on contract renewal.
Medicare supplement insurance is available to those age 65 and older enrolled in
Medicare Parts A and B and in some states to those under age 65 eligible for
Medicare due to disability or End Stage Renal disease. Medicare supplement plans
are not connected with or endorsed by the U.S. government or federal Medicare
program.
We do not offer every plan available in your area. Currently we represent 27
organizations nationally which offer more than 128,950 products nationally.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health
Insurance Program(SHIP) to get information on all of your options.
The plans we represent and their subsidiaries do not discriminate on the basis
of race, color, national origin, age, disability, sex, sexual orientation,
gender identity, or religion. To learn more about Ensurem I’s nondiscrimination
policy, please click here.
Read more
Y0001_37043_2024_M
0491V1_M
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PRIVACY POLICY
* Privacy Policy
* Privacy Notice for California Residents
Last Updated: January 1, 2024
We are strongly committed to protecting your privacy. We diligently safeguard
your personal information, ensuring that we uphold the standards set in the
applicable federal and state laws, as well as industry practices.
You can learn more about our commitment to privacy with this Privacy Policy,
which describes how we collect, use, share, store, delete, and secure the
personal information you provide. It also explains how you can control what
happens to your information.
Effective January 1, 2024, we have updated our Privacy Policy which has been
changed in the following ways:
* We made the Privacy Policy more readable and understandable.
* We added a “Do Not Sell or Share My Personal Information“ link.
* We clarified how we honor Global Privacy Controls-enabled Internet browsers.
* We provided a simplified Privacy Rights Form, which you can use to submit
your privacy rights requests.
A. WHO WE ARE
Ensurem I, LLC is a licensed health insurance agency based in Connecticut. In
California, Florida, and New York, we operate under the name ClearMatch
Insurance Agency (collectively “Company”, “we,” “us,” or “our”). We represent
Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations with a Medicare
contract.
We own and operate the following websites where we post this Privacy Policy,
along with any related websites, networks, applications, insurance agent and
representative services, and communication channels (including online chat and
telephone call centers), and other services provided by us (collectively, the
“Services”):
* medicaresolutions.com
* clearmatchmedicare.com
* medicarecomparisonshop.com
* wellcaremedicareplans.com
* cignamedicarehelp.com
* priorityhealthmedicareplans.com
* azbluemedigap.com
* healthplanone.com
* healthplanssolutions.com
* healthplansconnect.com
If you are returning to complete an application that you initiated on another
website that is owned or operated by us (e.g., a partner co-branded website),
this Privacy Policy may not apply. Please review the privacy policy of the
website on which you initiated your application to learn about the information
privacy practices that apply to the personal information you submit to us. If
you want your personal information to be subject to the information privacy
practices described in this website’s Privacy Policy, you may initiate a new
application on this website.
B. WHY WE NEED YOUR PERSONAL INFORMATION
To serve as your licensed insurance agent, we require certain personal
information from you. This information assists you in finding, and if you so
choose, applying for health insurance and other products that may interest you
and your family. We will also use your contact information to contact you about
our Services. In this regard, we may use phone numbers you provide to send you
telephone or text messages about your application or account. These messages may
be automatically sent through an autodialer, an artificial or prerecorded voice,
or other automation technology.
As we use it in this Privacy Policy, “personal information” means any
information that identifies, relates to, describes, references, is capable of
being associated with, or could reasonably be linked, directly or indirectly,
with a particular consumer or device, such as your name, telephone number,
physical address, email address, Social Security number, credit card number, and
any information about your health or medical history that you may provide us in
a health insurance application or any financial or other sensitive personal
information that you may provide us in an application to obtain an advanced
premium tax credit (or “subsidy”) determination from the government.
To learn more about why we need your personal information, please refer to the
next section.
C. TYPES OF PERSONAL INFORMATION WE COLLECT, HOW WE USE THEM, AND HOW LONG WE
KEEP THEM
Through your use of our Services, we collect personal information under the
following circumstances and from the following parties:
1. When you register with us.
In order to register for our Services, we will collect your identifiers
(e.g., name, date of birth, email address, address, telephone number) and
your online account information (e.g., username, password, and security
questions/responses). We collect this information to, among other things,
administer your account, contact you about our services, process your
insurance application or information request, provide you with a quote, to
validate your credentials and authenticate you when you log into our
website, and to determine future products and services that may be of
interest to you (i.e., account profiling).
We will retain your account information for as long as your account is
active or as needed to provide you with our services, unless we receive a
valid request to delete this information and no exception to your right to
deletion applies.
2. When you register with our business partners.
With your consent, we will collect your identifiers (e.g., name, date of
birth, email address, address, telephone number) and your online account
information (e.g., username, password, and security questions/responses)
from our business partners when you provide it to them on their websites.
We will use this information to, among other things, process your insurance
application, provide you with a quote, or contact you about our services.
We will retain your information for as long as your account is active or as
needed to provide you with our services, unless we receive a valid request
to delete this information and no exception to your right to deletion
applies.
3. When you apply for or request additional information about health insurance
and other products.
When you make the following applications or requests, we will collect or
request your identifiers (e.g., name, date of birth, email address,
address, telephone number), online account information (e.g., username,
password, and security questions/responses), and/or other health
information which we may relate to you and any family member who will be
included on your application:
* Application for health insurance or other products through our Services;
* Request to be contacted about any type of insurance product;
* Request to be contacted by a licensed insurance agent or other
representative;
* Request assistance with enrolling in any type of insurance product or
make; or any other request for someone to contact you (such as by filling
out an online request form).
We will share the personal information we collect from your application
with your chosen third-party insurance agency, licensed insurance agent,
insurance company or other appropriate entity, so that they may contact you
about any product in which you indicated interest or to assist you in
enrolling in any such product. If federal or state law allows you to
opt-out of this sharing, please click on our Do Not Sell or Share My
Personal Information link or complete our Privacy Rights Form. Any
additional information that you subsequently choose to provide to any
third-party entity will be governed by that entity’s privacy policy.
We will retain your information for as long as your account is active or as
needed to provide you with our services, unless we receive a valid request
to delete this information and no exception to your right to deletion
applies.
4. When we receive third party data.
We may receive personal information about you from other sources, including
publicly available databases or third parties from whom we have obtained
data, and combine this data with information we already have about you.
This helps us update, expand and analyze our records, identify new
customers, and provide products and services that may be of interest to
you. The types of personal information that may be obtained from public
sources or third parties and combined with information we already have
about you include: (a) address and other contact information from third
party sources for verification purposes and so we can properly communicate
with you and to prevent fraud and/or (b) data about our customers from
third parties that is combined with information we already have about you,
to create more tailored advertising and products.
We will retain your information for as long as your account is active or as
needed to provide you with our services, unless we receive a request to
delete this information and no exception to your right to deletion applies.
5. When you contact us.
When you contact our Customer Service department by email or a message
through our online webform, we will collect your identifiers (e.g., name,
phone number, and email address) and any other information you choose to
include in your correspondence. We use this personal information to, among
other things, respond to your questions or inquiries, troubleshoot where
necessary, and address any issues you may have.
We will retain your information for as long as needed to respond to your
questions or inquiries, troubleshoot where necessary, and address any
issues you may have, unless we receive a valid request to delete this
information and no exception to your right to deletion applies.
6. When you communicate with us by telephone.
When you communicate with us by telephone on a recorded line, with your
consent, we will collect your identifiers (e.g., name) and auditory
information (e.g., recording of your voice). We do not share this
information with any third parties other than our recording provider.
We will retain your information for as long as our relationship is active
or as needed to provide you with our services, unless we receive a valid
request to opt-out or delete this information and no exception to your
right to deletion applies.
7. When we administer our business-to-business accounts.
If you are a business and communicate with us about an on-going or
prospective business relationship, we collect your representatives’
identifiers (business representative name, business email address, business
telephone number, business billing, physical address), financial
information (payment card number, expiration date, CVV, or bank account
number and routing number) (as applicable). We will use your identifiers
and financial information (if applicable) to establish our business
relationship and services.
We will retain your information for as long as our relationship is active
or as needed in relation to our business relationship and services, unless
we receive a valid request to delete this information and no exception to
your right to deletion applies.
8. When you seek employment with us or become part of our team.
When you seek employment with us, we will collect your personal identifiers
(e.g., name, email address, physical address, telephone number) and your
professional or employment information (e.g., resume, cover letter,
employment history, educational history). We use this personal information
to assess and manage your application with us, to communicate with you
regarding your candidacy, and as necessary to comply with the law.
9. When you provide a testimonial.
When you submit a testimonial, we will collect your identifiers (e.g.,
name) and any information you provide in the testimonial. We display
personal testimonials of satisfied customers on our site in addition to
other endorsements. With your consent we may post your testimonial along
with your name.
We will retain your information for as long as your testimonial is relevant
for our marketing purposes, unless we receive a request to delete this
information and no exception to your right to deletion applies.
10. When you’re subscribed to our marketing communications, including
satisfaction surveys.
If you sign up to receive marketing communications from us, we will collect
your identifiers (e.g., name) and contact information (e.g., email address)
to send you e-mail. We share your identifiers and contact information with
our third-party marketing providers who send you marketing emails and/or
physical mailers on our behalf.
Our email communications contain tracking technologies to analyze whether a
predefined action took place by the recipient, such as opening the
communication, in order to better adapt and distribute our communications.
You can deactivate tracking by disabling the “display external images”
option in your email settings. If you want to opt out of these
communications, please refer to the “How you can unsubscribe to our
marketing communications“ section below.
We will retain your information for as long as your account is active or as
needed to provide you services, unless we receive a valid request to delete
this information and no exception to your right to deletion applies.
11. When you subscribe to our mobile text message marketing.
When you subscribe to our marketing text message program, we will collect
your identifiers (e.g., name and telephone number), which will be shared
with our third-party text message service provider to facilitate the text
message communications with you. We will use this information to
communicate with you via text message to provide product and services
offerings and account related messages. If you want to opt out of these
communications, please refer to the “How you can unsubscribe to our
marketing communications“ section below.
We will retain your information for as long as our relationship is active
or as needed to provide you with our services, unless we receive a request
to delete this information and no exception to your right to deletion
applies.
12. When we conduct behavioral targeting/re-targeting.
We partner with one or more third party ad networks to manage and display
advertising viewed by visitors on other sites, and updating, enhancing,
improving and/or analyzing our records or data. Our ad network partner(s)
may use cookies, pixels, web beacons, or similar technologies to collect
information about your activities on this and other websites to provide you
targeted advertising based upon your interests and browsing patterns. These
opt-out programs may not be designed to work for all advertising networks
or methods. Your browser may also have settings to reduce re-targeting,
such as switching to (In)private or incognito browsing mode or a mode that
does not accept cookies.
This activity is often called behavioral targeting or re-targeting, and
this may change the ads or other features you see on our website or other
websites that you visit. If you wish to not have this information used for
the purpose of serving you targeted ads, you may opt-out of specific
re-targeting programs by contacting us at privacy@hpone.com or if you are a
California resident, by clicking on our Do Not Sell or Share My Personal
Information link or completing our Privacy Rights Form. For more
information, please refer to our Cookie Policy.
13. When we analyze website usage through cookies and other trackers.
Cookies, pixels, and similar tracking technologies are used by us and our
business and marketing partners, affiliates, and/or analytics or service
providers. These technologies are used in analyzing trends, administering
this and other sites, tracking users’ movements around this site and other
sites, customizing content on this and other sites, and gathering
information about our user base. We may receive reports based on the use of
these technologies by these companies on an individual as well as
aggregated basis. When you visit our website, we use cookies, pixels, web
beacons, and other similar tracking technologies to: (i) enable the website
to function properly; (ii) track you within the website; (iii) enhance user
experience; (iv) conduct analytics to improve the website; (v) prevent
fraudulent use of the website; (vi) effectively market to you; and (vii)
diagnose and repair technical errors with the website and, in cases of
abuse, track and mitigate the abuse. Thus, these tracking technologies
might store information about you, your preferences, or your device, such
as:
* Usage information: We use cookies to collect information about your
interaction with our website and online content, such as pages visited,
frequency of access, time spent on each page, and referring website
details. We use this information for analytics and marketing purposes.
* Location Information: We use cookies to collect information about your
location, which may be determined through your IP address. We use this
information to provide website functionality such as finding a store near
you. You can adjust your consent to providing location information in
your browser settings.
* Device information: We use cookies to collect certain information about
the device you use to access the website, such as hardware model,
operating system, browser, and device preferences. We use this
information for analytics and marketing purposes.
In general, to disable cookies and limit the collection and use of
information through them, you can set your browser to refuse cookies or
indicate when a cookie is being sent. When you opt-out an opt-out cookie
will be placed on your device. The opt-out cookie is browser and device
specific and will only last until cookies are cleared from your browser or
device. You can also manage your cookie preferences via our cookie
management platform. To opt out of targeted advertising, please click on
our Do Not Sell or Share My Personal Information link or complete our
Privacy Rights Form. Certain third parties also offer broad cookie opt out
options such as the following:
* Association of National Advertisers opt-out registration:
https://dmachoice.thedma.org/
* Network Advertising Initiative (NAI) Opt-Out:
https://www.networkadvertising.org/managing/opt_out.asp
* Digital Advertising Alliance (DAA) Opt-Out: https://optout.aboutads.info
We may also use the personal information collected for the above purposes
to comply with the law and for other limited circumstances as described in
the “How we share your personal information” section.
For more information, please refer to our Cookie Policy.
D. HOW WE SHARE YOUR PERSONAL INFORMATION
In addition to the specific third-party sharing outlined above, we share
personal information in the following general scenarios:
1. When we engage service providers.
We share your personal information with our service providers that assist us
in providing the Services, process or service any application you begin,
process or submit through us, or to correspond with you, such as our payment
processors, IT support, website, email, and text message marketing
providers, data analytics providers, communications providers, cloud and
hosting providers, and email providers. These third-party service providers
have access to personal information needed to perform their services, but
are contractually prohibited from using it other purposes. Further, they
must process the personal information in accordance with this Privacy Policy
and as permitted by applicable federal or state laws.
2. When we need to share within our company.
Where necessary, we share your personal information within our Company for
legitimate business purposes, to the extent permitted by federal or state
laws, in order to efficiently carry out our business.
3. In the event of a corporate reorganization.
In the event that we enter into, or intend to enter into, a transaction that
alters the structure of our organization, such as a reorganization, merger,
acquisition, sale, joint venture, assignment, consolidation, transfer,
change of control, or other disposition of all or any portion of our assets,
we would share your personal information with third parties, including the
buyer or target (and their agents and advisors) for the purpose of
facilitating and completing the transaction. We will also share your
personal information with third parties if we undergo bankruptcy or
liquidation, in the course of such proceedings.
4. When we are legally required to share.
We will share your personal information where we are legally required to do
so, such as in response to tax obligations, court orders, law enforcement or
legal process, including for national security purposes; to establish,
protect, or exercise our legal rights, as required to enforce our terms of
use or other contracts; to defend against legal claims or demands; to
detect, investigate, prevent, or take action against illegal activities,
fraud, or situations involving potential threats to the rights, property, or
personal safety of any person; or to comply with the requirements of any
applicable federal or state laws.
5. When you gave your consent.
Apart from the reasons identified above, we may request your permission to
share your personal information for a specific purpose. We will notify you
and request consent before you provide the personal information or before
the personal information you have already provided is shared for such
purpose. You may revoke your consent by completing our Privacy Rights Form.
6. When we share with our marketing partners.
With your consent, we will share your personal information with
third-parties with whom we have marketing relationships or with other
companies and marketers whose products or services may be of interest to
you. Please refer to the section on how we analyze website usage through
cookies and other trackers for additional information on sharing of
information with marketing cookie providers.
E. WHAT WE HAVE SHARED IN THE LAST 12 MONTHS
1. For a Business Purpose.
In the preceding 12 months, we have disclosed the following categories of
personal information for a business purpose to the following categories of
third parties:
* To our service providers. We have disclosed personal identifiers, internet
and other network activity information, and health information to service
providers that perform services on our behalf. These service providers
include, but may not be limited to, our payment processors, IT support,
website, email, and text message marketing providers, data analytics
providers, communications providers, cloud and hosting providers, and
email providers.
* To our IT support and data analytics provider. We have disclosed internet
or other electronic network activity information to our IT support to
detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity, and to identify and repair website errors
that impair functionality. We have also disclosed internet or other
electronic network information to our IT support and data analytics
provider to maintain, improve, and upgrade Company Services.
* To your chosen insurance company. If you submit an application for an
insurance product offered by us, then we have disclosed your identifiers
and health information to your chosen insurance company to process your
application. If you submit a request for information or an application for
an insurance product offered through an licensed insurance agent, agency
or other business partner with whom we associate or contract, then we may
disclose your identifiers and health information to that agent, agency or
business partner to process your request for information or application or
to otherwise provide you with information about insurance products
(including contacting you by telephone, email, or otherwise to discuss
insurance products in which you may be interested).
* To our affiliates. If you were referred to us by, or use our website or
call center in connection with an affinity group, or other organization
with which you may be affiliated (or a benefits administrator or
consultant associated with such employer, group or organization), we may
disclose your identifiers and health information to such group,
organization, administrator and/or consultant to provide our services to
them. For example, we may inform such group, organization, administrator
and/or consultant whether or not you have enrolled in a plan.
2. For a Sale or Sharing
* To our advertising partners. We use advertising partners (e.g., Google
Ads, Facebook Ads, and Microsoft Ads) on our Websites. These ads services
deploy cookies which collect internet and other electronic network
activity and share it with the cookie provider. This use of your personal
information may be considered a sale under applicable state privacy laws.
For more information, please refer to our Cookie Policy.
* To our marketing partners. We share identifiers, commercial information,
and internet and other electronic network activity with marketing partners
for advertising purposes.
We also share identifiers and commercial information with marketing
partners with whom we have strategic or marketing relationships. Because
this sharing is for marketing purposes, it may also be considered a sale
under the applicable state privacy laws.
You may opt out of or revoke your consent to this sale or sharing by clicking on
our Do Not Sell or Share My Personal Information link or completing our Privacy
Rights Form.
F. YOUR PRIVACY CHOICES
Federal or state laws may provide you with specific rights regarding your
personal information. This may depend on where you reside as well as the laws
that apply to your personal information. This section describes the rights that
may be available to you and explains how you may exercise these rights.
1. Right to Non-Discrimination
You have the right not to receive discriminatory treatment if and when you
exercise your privacy rights under the applicable federal and state laws.
Unless permitted by federal or state law, we will not:
* Deny you goods or services.
* Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties.
* Provide you a different level or quality of goods or services.
* Suggest that you may receive a different price or rate for goods or
services or a different level or quality of goods or services.
2. Right to Access/Know
Under certain federal or state laws, you may have the right to request what
personal information we have collected, used, disclosed, and sold about you,
subject to certain exceptions.
3. Right to Deletion
Under certain federal or state laws, you may the right to request the
deletion of your personal information that we collect or maintain, subject
to certain exceptions. Once we receive your request to delete and confirm
your identity, we will delete (and notify any service providers or third
parties, who we have shared or sold your personal information to, to delete)
your personal information, unless an exception applies under applicable law.
4. Right to Opt-Out of Sale/Sharing
Under certain federal or state laws, you may have the right to opt-out of
the sale or sharing of your personal information to third parties, including
for targeted advertising. You may also have the right to opt out of us
sharing your personal identifiers with our marketing partners. Please note
that we do not have actual knowledge of selling or sharing personal
information of minors under the age of sixteen (16) years.
To exercise your federal or state right to opt-out of the sale or sharing of
your personal information, by clicking on our Do Not Sell or Share My
Personal Information link or completing our Privacy Rights Form.
5. Right to Correct
Under certain federal or state laws, you may have the right to correct
inaccurate personal information that we collect or maintain.
6. Right to Limit the Use and Disclosure of Sensitive Personal Information
Under certain federal or state laws, you may direct us to limit the
processing of your sensitive personal information for specific purposes,
such as:
* Goods and Services: Using your personal information in a reasonably
expected way to provide the goods or services you requested.
* Service Performance:
* Ensuring the security and integrity of our services when the use of
your personal information is reasonably necessary and proportionate.
* Utilizing your information for short-term, transient use, like
non-personalized advertising during your ongoing interaction with us,
ensuring that this information is neither disclosed to third parties
nor used to create a consumer profile or alter your experience beyond
the current interaction.
* Carrying out services on our behalf, which can include order
processing, customer service, payment processing, analytics, storage,
and other similar tasks.
* Conducting activities that maintain or enhance the quality and safety
of our services.
* Regulatory Authorizations: As directed by various regulations identifying
additional purposes for the usage or disclosure of your sensitive personal
information.
7. Right to Portability
Under certain federal or state laws, you may have the right to request for a
copy or to download your personal information in a format that is readily
useable and should allow you to transmit the information from one entity to
another entity without hindrance. For data portability requests, we will
select the format we will use.
8. Right Against Automated Decision Making
Under certain federal or state laws, you may have the right against a
business making decisions about you based solely on an automated process
without human input.
For further information concerning how these privacy rights apply to you and
your information, please visit the following:
HIPAA
https://www.hhs.gov/hipaa/for-individuals/guidance-materials-for-consumers/index.html
California Privacy Laws https://oag.ca.gov/privacy/privacy-laws Colorado Privacy
Laws https://coag.gov/resources/colorado-privacy-act/ Connecticut Privacy Laws
https://portal.ct.gov/AG/Sections/Privacy/The-Connecticut-Data-Privacy-Act
Montana
https://laws.leg.mt.gov/legprd/LAW0210W$BSIV.ActionQuery?P_BILL_NO1=384&P_BLTP_BILL_TYP_CD=SB&Z_ACTION=Find&P_SESS=20231
(effective 1 October 2024) Oregon
https://olis.oregonlegislature.gov/liz/2023R1/Downloads/MeasureDocument/SB619/Enrolled
(effective 1 July 2024) Texas
https://capitol.texas.gov/BillLookup/Text.aspx?LegSess=88R&Bill=HB4 (effective 1
July 2024) Utah Privacy Laws https://le.utah.gov/~2022/bills/static/SB0227.html
Virginia Privacy Laws
https://www.oag.state.va.us/consumer-protection/index.php/tips-info2
G. HOW YOU CAN EXERCISE YOUR RIGHTS
To exercise your rights under the applicable federal or state law, you may call
toll-free 877-615-4257, email privacy@hpone.com, or use our Privacy Rights Form.
For requests submitted, you must provide us with sufficient information that
allows us to reasonably verify you are the person about whom we collected the
personal information and describe your request with sufficient detail to allow
us to properly evaluate and respond to it. We will guide you through the
process, asking for information such as name, email address, and phone number,
so that we may identify you and process your request. If we are not able to
verify your identity for access and deletion requests with the information
provided, we may ask you for additional pieces of information.
To opt out of the sale or sharing of your personal information, you may click on
our Do Not Sell or Share My Personal Information link or complete our Privacy
Rights Form. Federal or state law may allow you to use the opt out preference
signal. This is a special feature in your Internet browser which, if activated,
will automatically send instructions to us not to sell or share any of your
personal information collected online. You can use the opt out preference signal
by turning on the signal in your device, platform, or browser settings.
If you are using an authorized agent to submit a privacy rights request, please
provide written permission, signed by the consumer, authorizing the agent to
submit the request.
H. HOW YOU CAN UNSUBSCRIBE TO OUR MARKETING COMMUNICATIONS
You can unsubscribe from our marketing email communications at any time by
clicking on the “unsubscribe” link in each email. Meanwhile, you can opt out of
our marketing text message program by responding “STOP” (case insensitive) to
any of our text messages. Please allow 1 business day for your request to be
processed.
Kindly note that we will continue to send you notifications necessary to provide
our Services, as well as your requested products and services. Depending on the
federal or state law applicable to you, you may be able to opt-out of profiling
using our Privacy Request Form.
I. HOW WE KEEP YOUR INFORMATION SAFE AND SECURE
Your trust and privacy are important to us. We implement and maintain reasonable
security measures, such as access controls and encryption, to protect the
personal information we collect and maintain. However, no security measure or
modality of data transmission over the Internet is 100% secure and we are unable
to guarantee the absolute security of the information we collect from you.
J. OUR POLICY AGAINST COLLECTING CHILDREN’S PERSONAL INFORMATION
We do not knowingly or specifically request or collect personally identifiable
information from or about children and do not market specifically to children.
K. CHANGES TO OUR PRIVACY POLICY
Company reserves the right to change this Privacy Policy at any time. If we make
changes, we will post the changes to this page, and will indicate the date the
changes go into effect. We encourage you to review our Privacy Policy to stay
informed. If we make changes that materially affect your privacy rights, we will
notify you via email and/or by prominently posting notice on the Services and
obtain your consent, if required.
Our Privacy Policy applies only to Company and not to other companies’ or
organizations’ sites to which we link or to which you otherwise provide your
information during your relationship with us.
How you can contact us
If you have any questions or objection as to how we collect and process your
personal information, please contact us at:
Ensurem I, LLC
Privacy Officer
35 Nutmeg Dr Suite 220
Trumbull, CT 06611
Phone: 877-615-4257
Email: privacy@hpone.com
We will respond to your questions within 30 calendar days.
For Residents of California:
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information
contained in the Privacy Statement of [HPOne] and its subsidiaries
(collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and
others who reside in the State of California (“consumers” or “you”). We adopt
this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”)
and other California privacy laws. Any terms defined in the CCPA have the same
meaning when used in this notice. We are providing this CCPA-specific privacy
notice to supplement the information and disclosures already contained in our
Privacy Policy.
Information We Collect
We collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or device (“Personal Information”). In
particular, we have collected the following categories of Personal Information
from consumers within the last twelve (12) months:
Category
Examples
Collected
A. Identifiers.
A real name, alias, postal address, unique personal identifier, online
identifier, Internet Protocol address, email address, account name, Social
Security number, driver's license number, passport number, or other similar
identifiers.
YES
B. Personal Information categories listed in the California Customer Records
statute (Cal. Civ. Code § 1798.80(e)).
A name, signature, Social Security number, physical characteristics or
description, address, telephone number, passport number, driver's license or
state identification card number, insurance policy number, education,
employment, employment history, bank account number, credit card number, debit
card number, or any other financial information, medical information, or health
insurance information. Some Pejrsonal Information included in this category may
overlap with other categories.
YES
C. Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship,
religion or creed, marital status, medical condition, physical or mental
disability, sex (including gender, gender identity, gender expression, pregnancy
or childbirth and related medical conditions), sexual orientation, veteran or
military status, genetic information (including familial genetic information).
YES
D. Commercial information.
Records of personal property, products or services purchased, obtained, or
considered, or other purchasing or consuming histories or tendencies.
NO
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity
patterns used to extract a template or other identifier or identifying
information, such as, fingerprints, faceprints, and voiceprints, iris or retina
scans, keystroke, gait, or other physical patterns, and sleep, health, or
exercise data.
NO
F. Internet or other similar network activity.
Browsing history, search history, information on a consumer's interaction with a
website, application, or advertisement.
NO
G. Geolocation data.
Physical location or movements.
NO
H. Sensory data.
Audio, electronic, visual, thermal, olfactory, or similar information.
NO
I. Professional or employment-related information.
Current or past job history or performance evaluations.
YES
J. Non-public education information (per the Family Educational Rights and
Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Education records directly related to a student maintained by an educational
institution or party acting on its behalf, such as grades, transcripts, class
lists, student schedules, student identification codes, student financial
information, or student disciplinary records.
NO
K. Inferences drawn from other Personal Information.
Profile reflecting a person's preferences, characteristics, psychological
trends, predispositions, behavior, attitudes, intelligence, abilities, and
aptitudes.
NO
Personal Information does not include:
* Publicly available information from government records.
* De-identified or aggregated consumer information.
* Information excluded from the CCPA's scope, like:
* Health or medical information covered by the Health Insurance Portability
and Accountability Act of 1996 (HIPAA) and the California Confidentiality
of Medical Information Act (CMIA) or clinical trial data;
* Personal Information covered by certain sector-specific privacy laws,
including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act
(GLBA) or California Financial Information Privacy Act (FIPA), and the
Driver's Privacy Protection Act of 1994.
We obtain the categories of Personal Information listed above from the following
categories of sources:
* Directly from our clients or their agents. For example, from documents that
our clients provide to us related to the services for which they engage us.
* Indirectly from our clients or their agents. For example, through information
we collect from our clients in the course of providing services to them.
* Directly and indirectly from activity on our website (www.hornellp.com). For
example, from submissions through our website portal or website usage details
collected automatically.
* From third-parties that interact with us in connection with the services we
perform. For example, from government agencies when we prepare readiness
assessments for projects that receive government funding.
We may obtain Personal Information from the following Ensurem I related sites:
* www.medicaresolutions.com
* www.hpone.com
* www.clearmatchmedicare.com
Use of Personal Information
We may use or disclose the Personal Information we collect for one or more of
the following business purposes:
* To fulfill or meet the reason for which the information is provided. For
example, if you provide us with Personal Information in order for us to
prepare a tax return, we will use that information to prepare the return and
submit it to the applicable taxing authorities.
* To provide you with information, products or services that you request from
us.
* To provide you with email alerts, event registrations and other notices
concerning our products or services, or events or news, that may be of
interest to you.
* To carry out our obligations and enforce our rights arising from any
contracts entered into between you and us, including for billing and
collections.
* To improve our website and present its contents to you.
* For testing, research, analysis and product development.
* As necessary or appropriate to protect the rights, property or safety of us,
our clients or others.
* To respond to law enforcement requests and as required by applicable law,
court order, or governmental regulations.
* As described to you when collecting your Personal Information or as otherwise
set forth in the CCPA.
* To evaluate or conduct a merger, divestiture, restructuring, reorganization,
dissolution, or other sale or transfer of some or all of our assets, whether
as a going concern or as part of bankruptcy, liquidation, or similar
proceeding, in which Personal Information held by us is among the assets
transferred.
We will not collect additional categories of Personal Information or use the
Personal Information we collected for materially different, unrelated, or
incompatible purposes without providing you notice. HPOne customers will be
informed at or before the time of collection, the nature of Personal Information
collected and the purpose for which it will be used. Before any Personal
Information that has been given to a third party is sold by said third party,
explicit notice and the opportunity to exercise their right to opt out will be
given to HPOne customers.
Sharing Personal Information
We may disclose your Personal Information to a third party for a business
purpose. When we disclose Personal Information for a business purpose, we enter
a contract that describes the purpose and requires the recipient to both keep
that Personal Information confidential and not use it for any purpose except
performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories
of Personal Information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records Personal Information
categories.
Category C: Protected classification characteristics under
California or federal law.
Category I: Professional or employment-related information.
We disclose your Personal Information for a business purpose to the following
categories of third parties:
* Our affiliates.
* Service providers.
* Third parties to whom you or your agents authorize us to disclose your
Personal Information in connection with products or services we provide to
you.
In the preceding twelve (12) months, we have not sold any Personal Information.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights
regarding their Personal Information. This section describes your CCPA rights
and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about
our collection and use of your Personal Information over the past 12 months.
Once we receive and confirm your verifiable consumer request, we will disclose
to you:
* The categories of Personal Information we collected about you.
* The categories of sources for the Personal Information we collected about
you.
* Our business or commercial purpose for collecting or selling that Personal
Information.
* The categories of third parties with whom we share that Personal Information.
* The specific pieces of Personal Information we collected about you (also
called a data portability request).
* If we sold or disclosed your Personal Information for a business purpose, two
separate lists disclosing:
* sales, identifying the Personal Information categories that each category
of recipient purchased; and
* disclosures for a business purpose, identifying the Personal Information
categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your Personal Information
that we collected from you and retained, subject to certain exceptions. Once we
receive and confirm your verifiable consumer request, we will delete (and direct
our service providers to delete) your Personal Information from our records,
unless an exception applies.
We may deny your deletion request if retaining the information is necessary for
us or our service providers to:
1. Complete the transaction for which we collected the Personal Information,
provide a good or service that you requested, take actions reasonably
anticipated within the context of our ongoing business relationship with
you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent,
or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended
functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their
free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal
Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical
research in the public interest that adheres to all other applicable ethics
and privacy laws, when the information's deletion may likely render
impossible or seriously impair the research's achievement, if you previously
provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible
with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above,
please submit a verifiable consumer request to us by either:
* Calling us at: (877) 615-4257
* Visiting: www.hpone.com/contact.aspx
* Emailing: Privacy@hpone.com
Only you or a person registered with the California Secretary of State that you
authorize to act on your behalf, may make a verifiable consumer request related
to your Personal Information. You may also make a verifiable consumer request on
behalf of your minor child.
You may only make a verifiable consumer request for access or data portability
twice within a 12-month period. The verifiable consumer request must:
* Provide sufficient information that allows us to reasonably verify you are
the person about whom we collected Personal Information or an authorized
representative.
* Describe your request with sufficient detail that allows us to properly
understand, evaluate, and respond to it.
We cannot respond to your request or provide you with Personal Information if we
cannot verify your identity or authority to make the request and confirm the
Personal Information relates to you. Making a verifiable consumer request does
not require you to create an account with us. We will only use Personal
Information provided in a verifiable consumer request to verify the requestor's
identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its
receipt. If we require more time (up to 90 days), we will inform you of the
reason and extension period in writing. If you have an account with us, we will
deliver our written response to that account. If you do not have an account with
us, we will deliver our written response by mail or electronically, at your
option. Any disclosures we provide will only cover the 12-month period preceding
the verifiable consumer request's receipt. The response we provide will also
explain the reasons we cannot comply with a request, if applicable. For data
portability requests, we will select a format to provide your Personal
Information that is readily useable and should allow you to transmit the
information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request
unless it is excessive, repetitive, or manifestly unfounded. If we determine
that the request warrants a fee, we will tell you why we made that decision and
provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:
* Deny you goods or services.
* Charge you different prices or rates for goods or services, including through
granting discounts or other benefits, or imposing penalties.
* Provide you a different level or quality of goods or services.
* Suggest that you may receive a different price or rate for goods or services
or a different level or quality of goods or services.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any
time. When we make changes to this privacy notice, we will notify you by email
or through a notice on our website homepage.
California’s “Shine the Light” Law (California Civil Code Section 1798.83)
This permits our customers that are California residents to request certain
information regarding our disclosure of Personal Information to third parties
for those third parties’ direct marketing purposes. To make such a request,
please contact us as described in Contact Information.
Contact Information
If you have any questions or comments about this notice, our Privacy Statement,
the ways in which we collect and use your Personal Information, your choices and
rights regarding such use, or wish to exercise your rights under California law,
please do not hesitate to contact us at:
Phone: 877-615-4257
Website: www.hpone.com
Email: compliance@hpone.com
Postal Address: 3210 Lake Emma Road, Suite 3000 Lake Mary, FL 32746
For further information concerning California privacy rights, visit
https://oag.ca.gov/privacy/privacy-laws
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LICENSING & LEGAL
LEGAL TERMS & CONDITIONS
AetnaMedicareSolution.com is a service mark of Ensurem I, LLC. All trademarks,
service marks, trade names and logos displayed on this site are proprietary or
licensed to Ensurem I, LLC, except for those of the insurance carriers, agent,
brokers, industry organizations, associations, health care institutions, and
other service companies, which are service marks or trademarks of their
respective entities. The name, trademarks, service marks and logos of
HealthPlanOne LLC and any of the insurance companies represented by
HealthPlanOne LLC may not be used in any advertising or publicity, or otherwise
for any commercial use by other insurance agent or brokers. Any such use is
prohibited by federal trademark and copyright law. This site is a copyrighted
publication of Ensurem I, LLC. No portion of this site or any news or
information displayed on this site may be published, broadcast, duplicated,
photocopied, faxed, downloaded, uploaded, distributed, transmitted or
redistributed in any way for any purpose without Ensurem I, LLC’s prior express
written permission. The content presented on this site is that of Ensurem I, LLC
and not necessarily that of the participating insurance carriers. However,
certain content is presented by insurance carriers, agents, brokers, industry
organizations, service providers and educational institutions, and that content
is solely that of the respective entity providing the content.
GENERAL DISCLAIMER; NO WARRANTIES; LIMITED LIABILITY
AetnaMedicareSolution.com is a web site where small business and consumers can
research various health insurance choices and health insurance companies. Not
withstanding any language to the contrary, nothing contained herein constitutes
nor is intended to constitute an offer, inducement, promise, or contract of any
kind, or a recommendation to purchase insurance from any particular insurance
company at any particular level of benefits or plan design. HealthPlanOne LLC
and its affiliates intend that the general and insurance specific information
contained in on this web site be accurate and reliable, however, HealthPlanOne
LLC makes no representations as to the completeness, accuracy or timeliness of
the web site materials and its links. HealthPlanOne LLC periodically amends,
changes, adds, delete, updates or alters the information, including with out
limitation, the terms and conditions of use, at the web site without notice. To
the full extent permissible by applicable law, the company disclaims all
warranties, express or implied, including, but not limited to, implied
warranties of merchantability and fitness for a particular purpose.
HealthPlanOne LLC does not warrant that this site, its servers, or e-mail sent
from the company are free of viruses or other harmful components. The company
will not be liable for any damages of any kind arising from the use of this
site, including, but not limited to direct, indirect, incidental, punitive, and
consequential damages, even if the company is made aware of the possibility of
such damages. Ensurem I, LLC is not an insurance company. HealthPlanOne LLC is
not responsible for payment of any claims a user may have relating to insurance
purchased through this site.
EXISTING INSURANCE COVERAGE
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM
THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN
EFFECT.
LICENSING
This web site is brought to you by the following licensed brokers in each
respective state, which require insurance transactions to be conducted through a
licensed agent/broker. Each agent/ broker is associated with Ensurem I, LLC,
with its principal place of business at 35 Nutmeg Drive, Suite 220, Trumbull, CT
06611.
STATE LICENSE NO.
State License No. Alabama 261868 Alaska 54870 Arizona 8726976 Arkansas 100102773
California 0F30784 Colorado 265376 Connecticut 2252528 Delaware 1041791 DC
2834747 Florida L003887 Georgia 116599 Hawaii 376496 Idaho 138711 Illinois
100285664 Indiana 38132 Iowa 1001003423 Kansas 204098658-0 Kentucky DOI-633199
Louisiana 332815 Maine AGN150231 Maryland 99952580 Massachusetts 1886488
Michigan 78548 Minnesota 40040992 Mississippi 15005672 Missouri 8021494 Montana
706334 Nebraska 100173380 Nevada 498885 New Hampshire 2001232 New Jersey 1067556
New Mexico 1800005445 New York LA-1024797 North Carolina 1000001822 North Dakota
20295112 Ohio 34232 Oklahoma 100100439 Oregon 100167999 Pennsylvania 457075
Rhode Island 2044085 South Carolina 1905753648 South Dakota 10003612 Tennessee
3557 Texas 1381772 Utah 263678 Vermont 725449 Virginia 102990 Washington 720222
West Virginia 100109397 Wisconsin 100195816 Wyoming 164505
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ARBITRATION/TERMS OF SERVICE
LAST UPDATED: 6/18/21
This website is operated by Ensurem I, LLC.
Please read these Terms of Service (the "Agreement") carefully. Your use of the
Site constitutes your legal consent to be bound by this Agreement.
Welcome, and thank you for your interest in Ensurem I, LLC (“Us,” “Our,” or “We”
(whether capitalized or not)) and our websites at clearmatchmedicare.com,
medicaresolutions.com, medicareusa.com, healthplanone.com, azbluemedigap.com and
our other websites where we post this document as the applicable terms of
service, along with any related websites, networks, applications, insurance
agent and representative services, and communication channels (including online
chat and telephone call centers), and other services provided by us
(collectively, our “Service” or “Services”).
For purposes of this Agreement, “you” or “your” (whether capitalized or not)
means the person(s) using the Services or the products or services offered
through this Site.
The "Site" means all the content, services and products available on the
websites, applications, emails, widgets or other media through which you
accessed this Agreement. The Site provides you with access to certain services,
such as referrals to products, services, and service providers that may be of
interest to you (the "Site Services"), and to certain content provided by us or
by third parties (the "Site Content").
These Terms of Service are a legally binding contract between you and Us
regarding your use of the Service and the Site.
BY CLICKING “SEE PLANS” OR ANOTHER BUTTON WHILE USING THE SERVICES TO SUBMIT
YOUR INFORMATION TO US OR BY OTHERWISE USING THE SERVICE, YOU ACKNOWLEDGE THAT
YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND
CONDITIONS, INCLUDING OUR PRIVACY POLICY (TOGETHER, THE “TERMS”).
THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS (PLEASE SEE SECTION
19). EXCEPT IF YOU OPT-OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN
THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL
BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO
PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. Your rights
will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury.
WE MAY ALSO CAPTURE INFORMATION CONCERNING YOUR INTERACTION WITH THE SERVICES
USING THIRD-PARTY SOFTWARE EMBEDDED IN THE SCRIPT OF THE SERVICES TO BETTER
UNDERSTAND YOUR INTERACTIONS WITH THE SERVICES AND/OR FOR OUR COMPLIANCE
VERIFICATION PURPOSES.
YOU ALSO AGREE THAT WE MAY (1) CALL AND TEXT YOU REGARDING OUR SERVICES, AND (2)
MONITOR AND RECORD ANY TELEPHONE CALLS MADE OR RECEIVED BY US FOR OUR BUSINESS
PURPOSES, INCLUDING FOR QUALITY ASSURANCE PURPOSES.
Table of Contents:
1. Modification of Terms
2. Your Access and Use of the Site
3. Information you Submit Through the Services
4. Authorization to Contact
5. Services and Content Offered Through the Services
6. Rules of Conduct
7. Jurisdictional Issues
8. Links to Third Party Sites
9. Registration; Usernames and Passwords
10. No Advice
11. Submissions
12. Payment
13. Proprietary Rights
14. Consent to Electronic Disclosures and Signatures
15. DISCLAIMER OF WARRANTIES
16. LIMITATION OF LIABILITY
17. Indemnification
18. RELEASE
19. ARBITRATION
20. Claims of Copyright Infringement
21. Governing Law
22. Advertising Disclaimers
23. Data Processed in the United States
24. Severability and Enforceability
25. Product Restrictions
1. Modification of Terms. We reserve the right to modify this Agreement from
time to time without notification. Your use of the Services after such a
modification will constitute your acceptance of those changes. We may
notify you of any such changes by any reasonable means, including by
posting the revised version of this Agreement to the Services. You can
determine when we last changed this Agreement by referring to the "LAST
UPDATED" date above.
2. Your Access to and Use of the Services. Your access to and use of the
Services may be interrupted from time to time, including due to technical
malfunctions, periodic updating and repairs. We may, at any time, modify or
discontinue all or part of the Services, charge, modify or waive any fees
required to use the Services, or offer opportunities to some or all Service
users. We may, in our discretion and without notice, suspend or terminate
your access to the Services and to any Site Content offered through the
Services, and may remove and delete any content you have provided if we
believe that your conduct or content violates or is inconsistent with this
Agreement or its intent, that your conduct is disruptive, or that you have
violated any laws or the rights of any third parties.
3. Information you submit through the Services. To use certain features of the
Services, you may be required to submit information to us, including
personally identifying information. Our use and disclosure of any
information you submit through the Services is governed by this Agreement
and our Privacy Policy You agree that all information you provide to us is
true, accurate, and complete and that you will not misrepresent your
identify, impersonate any third party or enter information on behalf of any
third party. You also agree to update such information regularly to keep it
current.
4. Authorization to Contact. You understand and agree that by providing us
with a telephone number and other contact information, you agree to receive
communications, including via-email, texts, and calls (including text
messages and calls made using an autodialer or prerecorded voice message),
from us or on our behalf (or Our affiliates, subsidiaries, employees,
contractors, agents, business partners or other third parties permitted to
receive your information under the Privacy Policy and Companies at the
email address or telephone number you provided, even if that number is on a
National or State Do Not Call List. These calls may be for informational
and marketing purposes, such as to provide you with information about our
services and your insurance options, for assistance with applications, and
to provide reminders of deadlines. You are not required to provide your
consent to these calls as a condition of any purchase through us, and you
may revoke any consent for marketing messages, phone calls or text messages
as described below. Standard text messaging and telephone minute charges
applied by your cell phone carrier will apply. We may monitor and/or record
telephone conversations for our business purposes, such as quality
assurance and training purposes and to protect our rights and the rights of
others.
4.1 Opt-Out. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN
UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS PROVIDED IN THE EMAIL. IF
YOU WISH TO OPT OUT OF TEXTS, YOU MAY REPLY “STOP” FROM THE MOBILE DEVICE
RECEIVING THE MESSAGES. IF YOU WISH TO OPT OUT OF MARKETING CALLS OR CALLS
TO A WIRELESS NUMBER, THEN YOU MAY MAKE A DO NOT CALL REQUEST EITHER DURING
A CALL YOU RECEIVE FROM US OR BY CALLING 1-833-835-0826, YOU MAY ALSO EMAIL
US AT PRIVACY@HPONE.COM WITH A REQUEST TO STOP RECEIVING SUCH TEXTS OR
CALLS AT THE PHONE NUMBER YOU PROVIDE IN YOUR EMAIL. NOTE THAT OPTING OUT
OF OUR MARKETING COMMUNICATIONS DOES NOT OPT YOU OUT OF MARKETING
COMMUNICATIONS FROM INSURANCE CARRIERS (“CARRIERS”) WITH WHOM WE SHARE YOUR
INFORMATION. TO OPT OUT OF SUCH COMMUNICATIONS FROM CARRIERS, PLEASE
CONTACT THE CARRIERS DIRECTLY.
4.2 You understand and agree that you may: (i) continue to receive
communications while we process your opt-out request, (ii) receive a
communication confirming the receipt of your opt-out request, and (iii)
after opting out of receiving marketing messages, continue to receive
certain non-marketing communications by email or to a non-wireless number,
such as confirmations or updates related to your account, insurance
application or policy, or transactions through the Service. You may also
manage your communication preferences as set forth in Section 4.3 below.
4.3 Updating Information. You may correct or update your contact
information, by contacting us at Sales@hpone.com or by mail at Sales
Support at Ensurem I, 35 Nutmeg Dr. Ste. 220, Trumbull, CT 06611.
Additionally, once you have created an account with us online at
clearmatchmedicare.com or through one of our other Services that allow
account creation, you may update your name, email address, phone number (if
part of your account) and password by clicking on the “My Account” or “Log
In” or similar link available on the Services and signing in using your
email address and password.
5. Services and Content Offered Through the Services. PLEASE READ THE
FOLLOWING CAREFULLY:
The Services permit consumers and businesses to research and shop for
various insurance and related products. We are not an insurance company.
The Services introduce users to insurance and related products offered by
third parties. DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE
WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING
THAT YOUR NEW POLICY IS IN EFFECT. We are not responsible for any issues
associated with buying or transferring new or existing insurance policies.
Transfer of your information. In submitting a request for insurance
(“Request”) to us, We may collect from you or otherwise obtain your name,
address, telephone number, date of birth, and other information to allow us
to verify your identity and match you with Carriers or send your
information to Carriers. In submitting a Request through the Services, you
agree to allow us to transfer all of your information, in connection with
your Request to Carriers. If any Carrier(s) wish to provide information to
you in connection with your Request, you will be contacted by the
Carrier(s) who may keep your Request information and any other information
provided by us in connection with your Request whether or not they offer
you a plan. Please notify the Carrier(s) directly if you no longer wish to
receive communications from them.
No endorsements or recommendations. In working with Carriers, we seek to
work with companies that are reputable and professional; however, we
strongly recommend that you perform your own due diligence for each
potential Carrier and plan prior to selecting and/or entering into any type
of agreement or other arrangement with any particular Carrier. In addition,
once we refer your Request to the Carrier(s), the Carrier will evaluate
your Request, and we have no further involvement in any transactions that
occur between you and the Carrier. We neither recommend nor endorse any
specific products, plans, opinions, or other services that may be made
available through or mentioned through the Services.
WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY CARRIER'S ACTS OR OMISSIONS
INCLUDING FOR ANY QUOTES, PLAN INFORMATION, PRICING, PREMIUMS, OR SERVICES
THAT ANY SUCH CARRIER MAY PROVIDE, FOR ANY CARRIER 'S CONTACTING OR FAILURE
TO CONTACT YOU, FOR ANY CARRIER 'S PERFORMANCE OR FAILURE TO PERFORM ANY
SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY CARRIER.
6. Rules of Conduct.
a. You must be at least 18 years of age to use the Services. By agreeing to
these Terms, you represent and warrant to us that: (a) you are at least
18 years of age; (b) you have not previously been suspended or removed
from the Services; and (c) your registration and your use of the
Services is in compliance with all applicable laws and regulations.
b. You must not post violent, nude, partially nude, discriminatory,
unlawful, infringing, hateful, pornographic or sexually suggestive
photos or other similar content via the Services.
c. You are responsible for any activity that occurs through your account
and you agree you will not sell, transfer, license, or assign your
account, followers, username, or any account rights to another person.
With the exception of people or businesses that are expressly authorized
to create accounts on behalf of their employers or clients, You agree
that you will not create an account for anyone other than yourself. By
using the Services, You represent that all information you provide upon
registration and at all other times will be true, accurate, current and
complete. You also agree to update your information as necessary to
maintain its truth and accuracy.
d. You must not solicit, collect, or use the login credentials of other
Service users.
e. You must not use the Services to defame abuse, harass, stalk, threaten
or otherwise violate the legal rights of others, including others’
privacy rights or rights of publicity, or harvest, or collect personally
identifiable information about other users of the Services.
f. You must not use the Services for any illegal or unauthorized purpose.
You agree to comply with all laws, rules and regulations (including
federal, state, local and provincial) applicable to your use of the
Services, including all copyright laws.
g. You are solely responsible for your conduct and any data, text, files,
information, usernames, images, graphics, photos, profiles, audio and
video clips, sounds, musical works, works of authorship, applications,
links, and other content or materials that you submit, post or display
on or via the Services.
h. You must not interfere or disrupt the Services, servers, or networks
connected to the Services, including by transmitting any worms, viruses,
spyware, malware or any other code of a destructive or disruptive
nature. You may not inject content or code or otherwise alter or
interfere with the way the Services are rendered or displayed in a
user's browser or device.
i. You must not use any robot, spider, site search/retrieval application or
other manual or automatic device to retrieve, index, "scrape," "data
mine" or in any way gather Service content or reproduce or circumvent
the navigational structure or presentation of the Services without Our
express prior written consent. Notwithstanding the immediately foregoing
sentence (but subject to the other items listed above), We grant the
operators of public search engines permission to use spiders to copy
materials from the Services for the sole purpose of and solely to the
extent necessary for creating publicly-available searchable indices of
such materials, but not caches or archives of such materials. We reserve
the right to revoke these exceptions without notification, either
generally or in specific cases, at any time.
j. You must not restrict or inhibit any other person from using the
Services (including by hacking or defacing any portion of the Services).
k. You must not reproduce, duplicate, copy, sell, resell or otherwise
exploit for any commercial purposes, any portion of, use of, or access
to the Services.
l. Except as expressly permitted by applicable law, you must not modify,
adapt, translate, reverse engineer, decompile or disassemble any portion
of the Services.
m. You must not remove any copyright, trademark or other proprietary
rights’ notices from the Site or Service or materials originating from
the Site or Service.
n. You must not frame or mirror any part of the Site or Service without Our
express prior written consent.
o. You must not create a database by systematically downloading and storing
all or any Site or Service content.
p. You must not perform any fraudulent activity including impersonating any
person or entity, claiming a false affiliation, accessing any other
account without permission, or falsifying your age or date of birth.
q. You must not use the Site or Service for any illegal purpose or in
violation of any local, state, national, or international law.
7. Jurisdictional Issues. The Services are controlled and/or operated from the
United States and are not intended to subject Us to non-U.S. jurisdiction
or laws, except as otherwise expressly stated in this Agreement. The
Services may not be appropriate or available for use in some jurisdictions
outside of the United States. In choosing to access the Services, you do so
on your own initiative and at your own risk, and you are responsible for
complying with all local laws, rules and regulations, including any export
controls, embargoes or other rules and regulations restricting exports. We
may limit the Services’ availability, in whole or in part, to any person,
geographic area or jurisdiction we choose, at any time and in our sole
discretion.
8. Links to Third-Party Sites. The Services may provide links to external
websites or resources for your convenience and reference only. We do not
endorse these websites or resources. We are not responsible for the
availability of these external websites or resources or for any content,
advertising, products, or other materials on or available from such
external websites or resources. Your use of and dealings with the owners or
operators of these external websites or resources are at your own risk. You
cannot make any claim against us, or our service providers arising out of
your use of external websites or resources.
9. Registration; Usernames and Passwords. You may be required to register with
Us in order to access certain Services or areas of the Services. With
respect to any such registration, We may refuse to grant you, and you may
not use, a username (or email address) that violates the intellectual
property or other rights of any person; that is offensive; or that We
reject for any other reason in Our sole discretion. Your username and
password are for your personal use only, and not for use by any other
person. You are responsible for maintaining the confidentiality of any
password you may use to access the Services, and You agree not to transfer
your password or username, or lend or otherwise transfer your use of or
access to the Services, to any third party. You are fully responsible for
all interaction with the Services that occurs in connection with your
password or username. You agree to immediately notify Us of any
unauthorized use of your password or username or any other breach of
security related to your account or the Services, and to ensure that you
"log off"/exit from your account with the Services (if applicable) at the
end of each session. We are not liable for any loss or damage arising from
your failure to comply with any of the foregoing obligations.
10. No Advice.The Site Content is for informational purposes only. No item is
intended to be a substitute for professional medical advice, diagnosis, or
treatment. Always seek the advice of your physician or other qualified
health provider with any questions you may have regarding a medical
condition. Never disregard professional medical advice or delay in seeking
it because of something you have read on the Services. If you think you may
have a medical emergency, call your doctor or 911 immediately. We do not
recommend or endorse any specific tests, physicians, products, procedures,
opinions, insurance coverage or other information that may be mentioned on
the Services. Reliance on any information provided by Us, Our employees, or
other visitors to the Services is solely at your own risk.
11. Submissions. For purposes of clarity, you retain ownership of any
information, content and/or materials that you submit through the Services
(each, a "Submission"). Please note, however, that we need certain rights
to your Submissions to be able to make them available through the Services.
Accordingly, you hereby grant to Us a worldwide, non-exclusive,
transferable, sublicenseable (through multiple tiers), royalty-free,
perpetual, irrevocable right and license, without compensation to you to
use, reproduce, distribute, adapt (including edit, modify, translate, and
reformat), create derivative works of, transmit, publicly display, publicly
perform and otherwise exploit such Submission, in any media now known or
hereafter developed. For each Submission, you represent and warrant that
you have all rights necessary for you to grant the licenses granted in this
section, and that such Submission, and your provision thereof to and
through the Services, comply with all applicable laws, rules and
regulations. Further, to the extent permitted under applicable law, you
irrevocably waive any "moral rights" or other rights with respect to
attribution of authorship or integrity of materials regarding each
Submission that you may have under any applicable law under any legal
theory. We request this waiver to help ensure that We have all the rights
We may need to provide the Services. In addition, We have no control over,
and shall have no liability for, any damages resulting from the use
(including republication) or misuse by any third party of information
voluntarily made public through any other part of the Services. IF YOU
CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION
PUBLICLY AVAILABLE IN A SUBMISSION, YOU DO SO AT YOUR OWN RISK. You
acknowledge and agree that We reserve the right (but have no obligation) to
do any or all of the following, at its sole discretion: (i) monitor,
evaluate or alter Submissions before or after they appear on the Services
(including through the use of automated filtering software); and (ii)
refuse, reject or remove any Submission at any time or for any reason
(including through the use of automated filtering software or if We
determine, in our sole discretion, that all rights, consents, releases and
permissions have not been obtained by you despite your representations
above).
12. Payment. If you provide payment information for purchasing or applying for
a plan, then you will pay the applicable Carrier that provides such plan.
13. Proprietary Rights. All of the material included on the Services, including
trademarks, text, graphics, logos and service marks, is Our property and
may be the property of other parties, such as Carriers featured through the
Services. U.S. and international copyright laws protect all Service Content
available through the Services. Your use of the Services and the Site
Content does not transfer to you any ownership or other rights in the
Services or the Site Content. You may download Site Content displayed on
the Services for your personal, noncommercial use only, provided you also
retain all copyright and other proprietary notices contained on the Site
Content. You may not modify, copy, distribute, transmit, display, publish,
sell, license, or create derivative works using any of the Site Content for
commercial or public purposes.
14. Consent to Electronic Disclosures and Signatures. You agree that all
agreements, notices, disclosures and other communications that we provide
to you electronically satisfy any legal requirement that such
communications be in writing. Your consent to receive communications and to
do business electronically applies to communications related to all
Services we may make accessible or available, or offer to you, whether
through a website, software application, email, messaging services
(including text messages), or otherwise.
If you submit a request to be matched with one of the Carriers featured
through the Services, please note that these Carriers are required by law
to provide you with certain communications, notices, disclosures,
information and other materials ("Communications"). These Carriers must
obtain your consent in order to provide you with these Communications
electronically. By submitting a request to be matched with one of the
Carriers, you affirmatively consent and agree to receive all Communications
required under law electronically.
15. DISCLAIMER OF WARRANTIES. YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS
AT YOUR OWN RISK. WE PROVIDE THE SERVICES ON AN "AS IS" BASIS. WE AND OUR
SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER
EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE AND OUR
SERVICE PROVIDERS MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR
REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE,
OR ERROR FREE; NOR DO WE OR OUR SERVICE PROVIDERS MAKE ANY WARRANTY AS TO
THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, AS TO
CONFIDENTIALITY OR PRIVACY OF ANY YOUR INFORMATION REGISTRATION DATA,
EXCEPT AS SET FORTH IN OUR PRIVACY POLICY OR AS TO THE ACCURACY OR
RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES. ANY MATERIAL
OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS
DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY
DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE
DOWNLOAD OF SUCH MATERIAL OR DATA. WE AND OUR SERVICE PROVIDERS MAKE NO
WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE
SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICES AND ARE NOT
RESPONSIBLE FOR OTHER USERS. NO ADVICE OR INFORMATION, WHETHER ORAL OR
WRITTEN, OBTAINED BY YOU FROM US, AFFILIATES OR THROUGH THE SERVICES, SHALL
CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT
ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS
MAY NOT APPLY TO YOU.
While We take commercially reasonable steps to safeguard and to prevent
unauthorized access to your information and registration data, we cannot be
responsible for the acts of those who gain unauthorized access, and we make
no warranty, express, implied, or otherwise, that we will prevent
unauthorized access to your private information. IN NO EVENT SHALL WE BE
LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL,
INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY
CONNECTED WITH, A THIRD PARTY'S UNAUTHORIZED ACCESS TO YOUR INFORMATION OR
REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON
CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO
REGARDLESS OF WHETHER WE WERE GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT
DAMAGES WERE POSSIBLE.
16. LIMITATION OF LIABILITY. WE SHALL NOT BE LIABLE FOR ANY INDIRECT,
INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE
INABILITY TO USE THE SERVICES OR FOR COST OF PROCUREMENT OF SUBSTITUTE
GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR
OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE
SERVICES OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
TRANSMISSIONS OR DATA, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR
OTHER INTANGIBLE, EVEN IF WE OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL OR EQUITABLE
THEORY UPON WHICH THE CLAIM IS BASED. SOME JURISDICTIONS DO NOT ALLOW THE
LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL
DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT
WILL WE EVER BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS,
PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER
IN CONTRACT, TORT OR UNDER OTHER FAULT OR WRONGDOING BY US OR ANY PERSON
FOR WHOM EITHER WE ARE RESPONSIBLE, IN AN AMOUNT EXCEEDING $10,000.00.
17. Indemnification. You agree to indemnify and hold Us, our subsidiaries,
affiliates, officers and employees, Carriers, and service providers
harmless from any claim or demand, including reasonable attorneys' fees,
made by any third party due to or arising out of your use of the Services,
the violation of this Agreement by you, or the infringement by you, or
other user of the Services using your computer, of any intellectual
property or other right of any person or entity. Even though prohibited,
people may provide information that is offensive, false, harmful, or
deceptive. We and Our service providers assume no responsibility whatsoever
for such content or actions.
18. RELEASE. YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE US AND OUR
SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS,
EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS
AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM
ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF
ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND
DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING,
WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM,
RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE.
19. ARBITRATION.
You agree that any dispute or claim arising out of your use of the
Services, including any dispute or claim as to the application,
enforceability, scope, or interpretation of this Agreement to Arbitrate,
shall be resolved by binding arbitration, rather than in court, except that
you may assert claims in small claims court if your claims qualify. This
Agreement to Arbitrate includes, but is not limited to, claims arising
under the Telemarketing Consumer Protection Act 47 U.S.C. § 227 or any
other telemarketing regulations brought against the website’s customers
and/or anyone involved in the initiation or generation of telemarketing
calls based on information submitted to the website. The Federal
Arbitration Act and federal arbitration law apply to this agreement.
There is no judge or jury in arbitration, and a court’s review of an
arbitration award is limited. However, an arbitrator can award on an
individual basis the same damages and relief as a court (including
injunctive and declaratory relief, or statutory damages), and must follow
these Terms of Service.
Arbitration shall be administered by the Judicial Arbitration and Mediation
Services, Inc. (“JAMS”), pursuant to the most-current JAMS Streamlined
Arbitration Rules & Procedures, and conducted by a single, neutral
arbitrator. Arbitration shall take place by phone, unless an in-person
hearing is requested by either party. In that case, the hearing shall take
place in the county where you reside. To the extent this agreement to
arbitrate conflicts with the JAMS Policy on Consumer Arbitrations Pursuant
to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (the
“Minimum Standards”), the Minimum Standards in that regard will apply.
Disputes may also be referred to another arbitration organization if we
each agree in writing, or to an arbitrator appointed pursuant to Section 5
of the Federal Arbitration Act.
We each agree that any dispute resolution proceedings will be conducted
only on an individual basis and not in a class, consolidated, or
representative action. If for any reason a claim proceeds in court rather
than in arbitration, we each waive any right to a jury trial. We also both
agree that you or we may bring suit in court to enjoin infringement or
other misuse of intellectual property rights.
20. Claims of Copyright Infringement. The Digital Millennium Copyright Act of
1998 (the "DMCA") provides recourse for copyright owners who believe that
material appearing on the Internet infringes their rights under U.S.
copyright law.
If you believe any Site Content infringes your copyrights, you may request
that we remove the Site Content from the Sites (or disable access to that
Site Content) by contacting our Designated Agent (identified below) and
providing the following information:
* Identification of the copyrighted work that you believe to be infringed.
Please describe the work and, where possible, include a copy or the
location (e.g., URL) of an authorized version of the work.
* Identification of the material that you believe to be infringing and its
location. Please describe the material, and provide us with its URL or
any other pertinent information that will allow us to locate the
material.
* Your name, address, telephone number, and e-mail address.
* A statement that you have a good faith belief that the complained of use
of the materials is not authorized by the copyright owner, its agent, or
the law.
* A statement that the information that you have supplied is accurate, and
indicating that “under penalty of perjury,” you are the copyright owner
or are authorized to act on the copyright owner’s behalf.
* A signature or the electronic equivalent from the copyright holder or
authorized representative.
Notices and counter-notices should be sent to:
Ensurem I, LLC.
ATTN: CLO
35 Nutmeg Dr, Suite 220, Trumbull, CT 06611
Email: legal@hpone.com
Once notification in accordance with the above is received by the
Designated Agent, it is our policy to: (a) remove or disable access to the
Site Content; (b) notify the provider of the Site Content or Services user
that it has removed or disabled access to such Site Content; and (c)
terminate repeat infringers’ access to the Services.
If you receive a notification of alleged copyright infringement, and
believe that the claim is erroneous, you may submit a counter-notification
to our Designated Agent within thirty (30) days of the date the Content was
removed from the Services. A counter-notification must be a written
communication that includes substantially the following:
* Identification of the material that has been removed or disabled and its
location. Please describe the material, and provide us with its URL or
any other pertinent information that will allow us to locate the
material.
* Your name, address, telephone number, and e-mail address.
* A statement “under penalty of perjury” that you have a good faith belief
that the material was removed or disabled as a result of mistake or
misidentification of the material.
* A signature or the electronic equivalent of the person submitting the
counter-notification.
Upon receipt of a counter-notification in accordance with the above, We
shall promptly provide the complaining party with a copy. The complaining
party shall have within ten (10) business days to inform Us that an action
has been filed seeking a court order to restrain the alleged infringer from
engaging in infringing activity on the Services. If We receive such
notification within ten (10) business days, We shall not replace the
removed Site Content or cease disabling access to it. If We do not receive
such notification from the complaining party that an action has been filed
seeking a court order to restrain the alleged infringer from engaging in
infringing activity on the Services, then We shall replace the removed Site
Content or cease disabling access to it within four (4) business days
following the expiration of the ten (10) business day deadline.
In accordance with the DMCA and other applicable law, We may, in
appropriate circumstances, at Our sole discretion, terminate access to the
Services of any user that We find to be a repeat infringer. We reserve the
right to define the criteria by which We will determine that a user is a
“repeat infringer.” In the event that “repeat infringer” is defined by
statute, law, or regulation as applicable to 17 USC § 512, We will adopt
that definition as a minimum standard. Without limiting Our right to define
“repeat infringer,” as a general rule, We will define a “repeat infringer”
as any person or entity about whom We has received three or more DMCA
notifications of alleged infringement in accordance with the procedures
outlined above. We will take into account all relevant facts and
circumstances when determining whether or not termination of access and/or
use privileges of a “repeat infringer” is appropriate.
If you believe that a user is a repeat infringer, please follow the
instructions above to contact Our Designated Agent and provide information
sufficient for us to verify that the user has been determined to be in
violation of the DMCA repeatedly.
We suggest that you consult your legal advisor before submitting a notice
or counter-notice.
21. Governing Law. The Agreement shall be governed by and construed in
accordance with the laws of the State of Connecticut (without regard to
conflict of law provisions thereof). All disputes arising under, or in any
way connected with use of this Site or the Services, shall be litigated
exclusively in the state and federal courts residing in the State of
Connecticut, and in no other court or jurisdiction. You hereby submit to
the jurisdiction of the state and federal courts sitting in Bridgeport,
Connecticut.
22. Advertising Disclaimers. For more information about our advertising
content, go to Advertising Disclaimers.
23. Data Processed in the United States.
We process data in the United States, and we make no representation that
this the Services are appropriate or available for use beyond the United
States. If you use the Services from other locations, you are doing so on
your own initiative and are responsible for compliance with applicable
local laws regarding your online conduct and acceptable content, if and to
the extent local laws apply. This Services may describe programs and
services that are available only in the United States (or only parts of
it). We reserve the right to limit the availability of the Services and/or
the provision of any content, programs, service, or other feature described
or available through the Services to any person, entity, geographic area,
or jurisdiction, at any time and in our sole discretion, and to limit the
quantities of any content, program, service, or other feature that we
provide.
If you are in a jurisdiction outside the United States and nevertheless
continue to use the Services, your personal information may be transferred
into and processed within the United States, and your continued use of the
Services constitutes consent to such transfer and processing. Please review
our Privacy Policy for additional information on how we process and protect
your data.
24. Severability and Enforceability.
If any provision or portion of these Terms is held to be illegal, invalid,
or unenforceable, in whole or in part, it shall be modified to the minimum
extent necessary to correct any deficiencies or replaced with a provision
which is as close as is legally permissible to the provision found invalid
or unenforceable and shall not affect the legality, validity or
enforceability of any other provisions or portions of these Terms.
25. Product Restrictions.
Policies and products are not available in all states. Exclusions and
misstatement and misrepresentation restrictions may apply. The quote,
policy, and plan comparisons and information we provide are furnished by
the individual Carrier, and are subject to change without notice and/or
underwriting qualification by the specific Carrier to which the application
is submitted. A quote should not be construed as a commitment from the
Carrier to actually issue that policy or any other policy to you. All
quotes that we present are based on the information you have provided us at
our request. You are responsible for ensuring that information you provide
in connection with any quotation or inquiry through the Services is
accurate and up to date. You may change or edit your information at our
Services by contacting us via email at Sales@hpone.com.
For Medicare Supplement Only: To purchase certain insurance policies, you
must submit a completed application to the Carrier, which will then review
and underwrite your application along with any other information that may
be gathered from a variety of sources. Following that review and
underwriting analysis, the insurance company will then determine whether
you are eligible for insurance and, if so, the precise premium to charge
you for the insurance policy you seek. This underwriting process may result
in higher or lower premiums than your quote for these policies.
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×
ENSUREM I, LLC - DO NOT CALL POLICY
If you do not want to receive telemarketing calls from Ensurem I, LLC or its
related entities (“Company”), you can ask us to place your telephone number on
our "Do Not Call" list. In compliance with federal and state laws, we will
document your request within the timeframe contained in this Policy.
Timing for Processing Do Not Call Request
Please allow up to 30 days for your telephone number to be removed from any
sales programs and marketing campaigns that are currently underway.
Your Do Not Call Request Requirements
* Your request can be in writing, by e-mail, or by phone (see below for contact
information), and must include, at a minimum, your telephone number. Anyone
may be placed on the Company’s Do Not Call List by:
* sending a written request to the Company at the following address:
Ensurem I, LLC
Attn: Privacy Officer
35 Nutmeg Drive, Suite 220
Trumbull, CT 06611;
* e-mailing the Company at: privacy@hpone.com; or
* calling the Company at: 844-978-0969.
* The request must provide the 10-digit telephone number that is not to be
called and, if desired, the person’s name. If you have multiple telephone
numbers, tell us all numbers that you want to be included on the list.
* If your telephone number ever changes, you must give us your new telephone
number for your “do not call” status to remain in effect, and tell us which
telephone number currently on our “Do Not Call” list has been changed (if
more than one of your telephone numbers is on our “Do Not Call” list).
The Company will maintain the telephone number and, if provided, the name on the
Company’s “Do Not Call” list for five (5) years, unless a request is made by the
person to have the number removed.
Exceptions
Many state “Do Not Call” regulations permit companies to contact their own
customers even though they are on these “Do Not Call” lists.
Therefore, if you are a customer, you may be contacted by us even though you are
on a state or the national "do not call" list. If you do not want to be
contacted by Company even though you are a customer, simply follow the steps
above to be placed on the Company “Do Not Call” list and your request will be
honored.
Ensurem Do Not Call Request Obligations
Being on the Company "Do Not Call" list means that you will not receive
telemarketing calls by anybody representing our Company.
All employees that engage in outbound telephone solicitation are trained in this
policy and are made aware of these procedures. Management will review the policy
with these employees on a regular basis.
The Company respects the wishes of those customers and prospective customers who
do not want to receive telephone solicitation calls from the Company. It is the
policy of the Company not to make a telephone solicitation call to any of the
following:
i. any person who has requested that the Company not make such calls to the
person’s residence; or
ii. any person who has put his or her telephone number on a federal or state Do
Not Call registry maintained by the Federal Trade Commission and various
state-agency lists, except as otherwise permitted by law.
A “telephone solicitation call” means any call that is made for the purpose of
encouraging the purchase of products and services from the Company.
The methods and procedures in this “Do Not Call” policy are reviewed by Company
on an annual basis. If a consumer requests a copy of our “Do Not Call” policy,
we will send a copy of this policy via U.S. mail or electronic mail. The “Do Not
Call” policy is also posted on the Company websites.
More Information
The Company intends to comply with all federal and state Do Not Call laws. Any
questions concerning the Company’s Do Not Call Policy may be directed to the
contact addresses and numbers above.
The Federal Trade Commission also offers a free service to consumers allowing
them to place their residential phone number on a National Do Not Call Registry.
This service is offered and maintained by the federal government, not by our
Company. Consumers may add their residential phone number to this list either by
calling 888-382-1222 or by going to www.donotcall.gov.
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